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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $478,668 | $176,105+171.8% | $159,474+200.2% | $167,536+185.7% |
| Participation rate | 66.7% | 85.0%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 11.90% | 331.91%-320.0pp | 263.68%-251.8pp | 478.82%-466.9pp |
| Employer contribution / active EE | $22,667 | $5,299+327.8% | $4,831+369.2% | $4,839+368.4% |
| Participant deferral / active EE | $5,500 | $7,751-29.0% | $7,353-25.2% | $6,342-13.3% |
| Admin fee / account holder | $2,712 | $12,559-78.4% | $10,802-74.9% | $12,315-78.0% |